Certificate Accounts

Certificates from Ventura County Credit Union offer guaranteed returns, pay higher interest rates than most savings accounts, and offer options to fit any financial time frame.

• Fixed-Rate Certificates: With our fixed-rate, you can choose a savings period ranging from six months to five years. Minimum deposit of $1,000. Receive dividends as periodic payments or let them compound monthly until the certificate reaches maturity.
• Jump-Up Certificates: Available for 18- or 24-month terms, with a minimum deposit of $5,000. If certificate rates rise after you open your certificate, you can request a rate hike one time before the maturity date. With the 24-month option, you can also make one additional deposit.
• Get Fit Certificates of Deposit: Have a savings goal but not a lot to invest up front? When your balance reaches a set amount (from $500 to $2,500), it's transferred to a six-month certificate to maximize dividends. Continue saving - and adding additional certificates - until you reach your goal of either $5,000 or $25,000. 
• IRA Certificates: Our Individual Retirement Account Certificates, or IRA, are designed to help you plan for retirement. Term lengths vary from one to five years, and there are options to accommodate a variety of starting deposit amounts. Our Get Fit program is available for IRA certificates, too.